Florida Real Estate Transfer Tax Calculator

Florida's documentary stamp tax on deeds runs $0.70 per $100 of consideration, 0.7% of the sale price, in every county in the state except one. Miami-Dade County charges a lower $0.60 per $100 specifically on single-family residence transfers, but adds a separate $0.45 per $100 surtax on any non-single-family transfer, a distinction that does not exist anywhere else in Florida, a reminder that "the Florida rate" is not always a single number.

Florida custom typically has the seller pay the documentary stamp tax at closing, though this is a matter of contract rather than statute and can be negotiated differently between the parties. This calculator applies the standard statewide 0.7% rate that governs the other 66 counties and the large majority of Miami-Dade transactions; a Miami-Dade sale of a condo, duplex, or investment property should account for the additional surtax rather than assuming the statewide figure applies uniformly.

Florida's documentary stamp tax on deeds is $0.70 per $100 in 66 of its 67 counties. Miami-Dade is the exception, and it is not a small one.

The engine applies the 0.7% statewide rate to the full sale price. Miami-Dade charges $0.60 per $100 on a single-family residence instead, and adds a $0.45 per $100 surtax on anything that is not single-family. Neither the reduced rate nor the surtax is modeled here, so a Miami-Dade transaction needs its own figure rather than this one.

Documentary stamps on a $380,000 Orlando sale, taken one operation at a time.

Step 1 -- The consideration. Contract sale price = $380,000

Step 2 -- The statutory rate. $0.70 per $100 of consideration, the rate in 66 of Florida's 67 counties = 0.7%

Step 3 -- Apply the rate. $380,000 x 0.007 = $2,660.00

Step 4 -- Cross-check by the per-$100 method. 3,800 x $0.70 = $2,660.00

Step 5 -- Net proceeds after the doc stamps. $380,000.00 - $2,660.00 = $377,340.00

Step 6 -- The effective rate. $2,660.00 / $380,000 = 0.700%

Take the price to the calculator's $1,500,000 scenario.

Step 7 -- The luxury sale at the same rate. $1,500,000 x 0.007 = $10,500.00

Step 8 -- The effective rate at $1.5M. $10,500.00 / $1,500,000 = 0.700%

Florida has no state income tax, and the documentary stamp tax on deeds is one of the levies that fills the gap, which is why a state with a reputation for light taxation charges seven times what Georgia does on the same conveyance. The one carve-out worth knowing is Miami-Dade, where a single-family residence is stamped at $0.60 per $100 instead of $0.70; the same $1,500,000 sale in Step 7 would carry $9,000 there, $1,500 less than this statewide baseline. Non-single-family transfers in Miami-Dade go the other way, picking up an additional $0.45 per $100 surtax. Neither Miami-Dade variant is modelled here.

This calculator emits no tier table. The schedule it returns is empty, so unlike most state tax pages on this site there is no twelve-row sweep to read; the price input is the only thing that moves, and the figures below come from running it at different values.

The marginal figure. Each additional $1,000 of Florida consideration costs $7.00 in documentary stamp tax. The engine returns $2,667.00 on a $381,000 sale against $2,660.00 on $380,000. Per $100, which is how the statute expresses it, the cost is 70 cents, and the two conventions agree at every price.

No threshold exists anywhere in the range. At $999,999 the engine returns $6,999.99; at $1,000,000 it returns $7,000.00; at $1,000,100 it returns $7,000.70. Crossing a million dollars of consideration in Florida costs nothing extra, because there is no mansion tax tier in the Florida record. The Mansion Tax secondary output returns $0.00 at every price this calculator will accept, including $2,000,000, where the engine returns $14,000.00 of base tax and $0.00 of surcharge. That $0.00 is a statement that Florida has no high-value tier, not that a surcharge was computed and came to nothing.

The reverse question. A seller budgeting $5,000 for documentary stamps can convey $714,285.71 of Florida real estate: the engine returns exactly $5,000.00 of tax and $709,285.71 of net proceeds at that price.

The Miami-Dade variants, and what the engine does instead. Florida charges $0.70 per $100 in 66 of its 67 counties. Miami-Dade charges $0.60 per $100 on a single-family residence and adds a $0.45 per $100 surtax on everything else. This calculator holds one statewide rate of 0.7% and has no county input, so it returns $10,500.00 on the $1,500,000 luxury scenario whether the property sits in Orlando or Coral Gables. A Miami-Dade single-family sale is overstated by this page and a Miami-Dade commercial sale is understated by it, and no input can correct either.

The other stamp tax is absent entirely. Florida also levies documentary stamp tax on the note, at $0.35 per $100 of the mortgage amount, plus intangible tax on the mortgage at 0.2%. A financed Florida purchase pays those alongside the deed stamps in this calculation, and none of it appears here: the engine takes a sale price and returns deed tax only. On a $380,000 purchase with a $304,000 mortgage the omitted note and intangible charges are of the same order as the $2,660.00 shown.

• Miami-Dade County's reduced single-family rate. Single-family residential transfers in Miami-Dade County are taxed at $0.60 per $100 (0.6%) rather than the statewide $0.70 per $100 (0.7%) standard rate this calculator uses.
• Miami-Dade County's surtax on non-single-family transfers. Commercial property, multi-unit residential buildings, and other non-single-family transfers within Miami-Dade carry an additional $0.45 per $100 surtax on top of the base rate, which this calculator does not model.
• Documentary stamp tax on the note (mortgage). Florida separately taxes promissory notes secured by Florida real property at $0.35 per $100 of the loan amount. This is a distinct tax from the deed transfer tax modeled here and applies to the buyer's financing amount, not the sale price.
• Recording fees and title insurance. Florida county clerks charge separate flat recording fees, and Florida's title insurance premiums (which follow a state-promulgated rate schedule) are entirely separate from the documentary stamp tax.

• Applying the standard 0.7% rate to a Miami-Dade single-family sale. This overstates the tax by roughly 14% relative to the correct 0.6% rate for single-family residences in that specific county.
• Forgetting the Miami-Dade surtax on non-single-family property. Commercial and multi-unit transfers within Miami-Dade are taxed at a combined rate above the statewide standard once the $0.45 per $100 surtax is added, the opposite direction of error from the single-family reduction.
• Confusing the deed documentary stamp tax with the note documentary stamp tax. Florida charges two separate documentary stamp taxes in a typical financed purchase: one on the deed (0.7% of sale price, or the applicable Miami-Dade rate) and one on the mortgage note (0.35% of loan amount). Conflating the two, or applying one rate to the wrong base, produces an incorrect total.
• Assuming the seller always pays. Florida custom commonly has the seller pay the documentary stamp tax on the deed, but this is set by the purchase contract, not by statute, and can be negotiated differently, particularly in a strong seller's market.

• Florida Department of Revenue: Documentary Stamp Tax on Deeds guidance. floridarevenue.com